LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,181
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,364
−HK$2,218/mo
Today · 4.125%
HK$74,582
baseline
▲ 0.50% · 4.625%
HK$79,120
+HK$4,538/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,164/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,076
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,170
−HK$2,124/mo
Today · 4.125%
HK$82,294
baseline
▲ 0.50% · 4.625%
HK$86,632
+HK$4,338/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,588/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,217
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,837
−HK$2,661/mo
Today · 4.125%
HK$89,498
baseline
▲ 0.50% · 4.625%
HK$94,944
+HK$5,446/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$178,996/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,691
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,203
−HK$2,550/mo
Today · 4.125%
HK$98,753
baseline
▲ 0.50% · 4.625%
HK$103,958
+HK$5,205/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,506/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,253
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,310
−HK$3,105/mo
Today · 4.125%
HK$104,415
baseline
▲ 0.50% · 4.625%
HK$110,768
+HK$6,353/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,830/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,306
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,237
−HK$2,974/mo
Today · 4.125%
HK$115,211
baseline
▲ 0.50% · 4.625%
HK$121,284
+HK$6,073/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,422/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,326
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,255
−HK$3,992/mo
Today · 4.125%
HK$134,247
baseline
▲ 0.50% · 4.625%
HK$142,416
+HK$8,169/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,494/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,536
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$144,305
−HK$3,824/mo
Today · 4.125%
HK$148,129
baseline
▲ 0.50% · 4.625%
HK$155,937
+HK$7,808/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,258/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,050 · Scale 2, in force from 26 Feb 2026)